He’s of Punjabi descent rather than black.

Hadn’t actually thought about this but it’s a good point, they are varying the T&Cs with no consideration here.

Same.

100% agreed

Can’t disagree with that notion.

Political reform is required before we get all the way down theUS-style rabbit hole.

Money in politics in the US is ridiculous.

Politicians here are cheap but at least it’s not prohibitively expensive to run for everyone. I know there are barriers that shouldn’t be there.

Where are people even getting the money to launch these groups and hold their own conferences?

Really quite shocking and yet unsurprising from South West Water here. That “record fine” clearly didn’t have the intended impact either. The government needs to take action on this urgently.

Also… I think people shouldn’t need a Barrister for small claims court, they should be able to represent themselves. A bit poor in the system that someone should need to hire representation over such a small sum.

No it’s nothing to do with political affiliation at all,

And someone has already replied about the UK which is largely where my experience lies in this area.

Voter registration (entry onto the electoral roll) is additional confirmation that the address you are using for other credit/loan information is accurate.

It’s not, really, although it’s a bit more nuanced than that.

Credit scores are now taking in more information than ever, so things like your debt repayments as a % of your income (affordability) are feeding in as well.

For the people carrying credit card debt, one CRA might give you a better score if you carry a balance >0 but <25% of your total credit limit, and another it could be 0 to 40% so you will see some score variability.

If your utilisation is higher your score may suffer. This is only one aspect, though. Repayments on other debt (mortgages, utilities, mobile phones) play a part, as do things like voter registration and the time you have kept open your accounts. TransUnion is now incorporating BNPL (like Klarna) data for some reporting, although not sure it feeds into the score view yet).

I would highly recommend using whatever free apps are available for each of the CRAs (TransUnion, Experian and Equifax are the three main providers) to monitor your score.

For TransUnion you should be able to use the Credit Karma app in both the US and UK, and in the UK you also have the ClearScore app for Equifax score.

Experian in the UK is on the process of removing 3rd party app access (would have been MoneySaving Expert app before, but that’s moving to TransUnion).

Et tu dois vouvoyer si le sujet n’est pas ton ami.

A parliament has a maximum term of 5 years. Any change to the date of the next election will have a direct impact on the latest date of the next election.

https://www.parliament.uk/about/how/elections-and-voting/general/

Depends on whether or not there is a snap election this year…